Otherwise effective estate and financial planning can be sabotaged by overspending habits. Here are eight tempting situations and triggers to stray from the budget to be aware of if financial plans are budget contingent:

Thinking something is too good a deal or bargain to pass up.

Falling victim to the new home syndrome and overspending on redecorating.

Treating unexpected funds, such as an inheritance or holiday bonus from work, as expendable income rather than an opportunity to add to savings.

The urge to go all out on a new look when looking for a new job.

Trying to match the spending habits of wealthier friends.

Forgetting to create and stick with a separate budget for vacations.

Getting caught up in the excitement of a celebratory event, like a promotion or a friend’s birthday party.